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Jumbo Loan

Land your dream home the smart way.

Don’t let conforming loan limits keep you from looking at that amazing property.

With a Jumbo Smart loan from Rocket Mortgage, you can borrow up to $2.5 million – and make your dream home a reality.

Jumbo Loan Requirements

Here’s what you’ll need to get started.

  1. 1.

    Minimum 680 Credit Score

    A higher loan amount, shortened loan term or adjustable interest rate may require you to have a higher credit score. 

  2. 2.

    2 – 6% In Closing Costs

    You’ll need 2 – 6% of the purchase price on your home to cover closing costs.

  3. 3.

    Debt-To-Income Ratio ≤ 45%

    You’ll need a debt-to-income ratio (DTI) of 45% or lower.

  4. 4.

    Loan To Value Ratio ≤ 89.99%

    On 30-year fixed loans, your loan amount can't exceed 89.99% of the purchased home's value. On 15-year fixed and adjustable-rate loans, your loan-to-value ratio can't exceed 80%.

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Jumbo Smart Loan Benefits

More Borrowing Power

A Jumbo Smart loan can help you finance a home with a loan up to $2.5 million.

Flexible Loan Use

You can use a Jumbo Smart loan to finance a primary home, second home or investment property.

Less Paperwork

A Rocket Mortgage Jumbo Smart loan requires less documentation than many jumbo loans on the market today.

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Get preapproved now.

A Jumbo Smart loan from Rocket Mortgage gives you the borrowing power you need – to get the house you love.

See What's Possible

Use our calculators to see what homeownership could look like for you.

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Ready for a Jumbo loan?

With Rocket Mortgage, it’s fast. Convenient. And customized to your home buying needs.